If your installment fee is charged in each installment, then the down payment = 1000/3 1000* (the handling fee in 3 installments)

If your installment fee The handling fee is a one-time charge, so the down payment = 1000/3 1000* (handling rate for each period in 3 installments) * 3

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Of course, there must be enough money on the card to pay for the goods in installments. If the goods amount is 1,000 yuan, then you need to borrow 1,000 yuan from your credit card to pay the seller the amount of the goods in one go.

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If you borrow something, you will naturally have to pay it back. Originally, you had to repay 1,000 to the bank in one lump sum, but you applied for repayment in three monthly installments. Then the amount to be repaid in the first month is calculated as above, and the remaining amount can be repaid in two installments in the remaining two months.

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The installment amount will occupy your credit card limit. For example, if your credit card limit is 5,000, then your remaining available credit card limit is: 5,000-1,000-1,000*installment rate.

After you repay the installment money, the available limit of the credit card will be restored. How much you repay will be restored. After you pay it all off, the available limit will be restored to 5,000.

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Look at your message. You don't seem to understand credit cards. "You give the money in the card to the seller, the seller gives you goods of equal value, and you return the money to the bank." Why do you lose money? That money is not yours to begin with, it belongs to the bank. The bank lends you something to buy. After you buy the thing, shouldn't the money you paid for the thing be returned to the bank?

You need to understand that the money in the credit card is not your money, but the money lent to you by the bank. How much money you spend is what you have to pay back.